Freedom to Choose Select Plans

Select

Select is our base Freedom to Choose health and dental insurance plan.

It provides coverage for the following benefits and benefit levels:

 

Prescription drugs

Drugs that require a prescription by law are covered at:

70% reimbursement for both generic and brand name prescriptions

$500 maximum per person each calendar year

$5 maximum dispensing fee per prescription

Disposable needles for use with non-disposable insulin injection devices, lancets, test strips, and sensors for flash glucose monitoring machines

If you live in Quebec, read the Information for Quebec Residents in the FAQ section.

 

Dental care

Waiting period: 3-month no-claims waiting period

Deductible of $25 per person to a maximum of $50 per family per calendar year

70% reimbursement for selected routine services (for example, cleanings, scalings, fillings and examinations) to a $350 per person annual maximum

100% reimbursement for accidental injury to natural teeth

 

Paramedical services

Paramedical services include treatment by a licensed chiropractor, dietician, osteopath, physiotherapist, podiatrist, psychologist, social worker, massage therapist, speech therapist, naturopath or acupuncturist

100% reimbursement to a maximum of $300 per practitioner per calendar year

$30 per visit maximum

 

Ambulance services

100% reimbursement for ground or air transport

 

Vision care

100% reimbursement to a maximum of $150 every 2 years for lenses and frames, contacts or laser eye surgery

$75 for one eye exam every 2 years

 

In-home nursing and home health aide care

100% reimbursement to a maximum of $2,500 per person each calendar year for in-home nursing and home care

 

Medical supplies

100% reimbursement for selected medical supplies

$100 maximum per year for orthopedic equipment

Diabetic equipment – Coverage for blood-glucose, flash glucose, and continuous glucose monitoring machines, including sensors and transmitters for continuous glucose monitoring machines, is limited to $500 per calendar year

 

Hearing aids

100% reimbursement up to a maximum of $400 every 5 years

 

Teledoc Medical Experts ®

Consultation services that put you in touch with the world’s best medical specialists to help with diagnosis and treatment planning for serious illnesses

Freedom to Choose health and dental insurance also features several included services as part of each plan.

 

Click Here to get started

Select Plus

Select plus is one of our most popular Freedom to Choose health and dental insurance plans. It provides more comprehensive coverage for the same expenses covered under the Select plan but with higher maximums and co-insurance rates.

Select plus provides coverage for the following benefits and benefit levels:

 

Prescription drugs

Drugs that require a prescription by law are covered at:

80% reimbursement for both generic and brand name prescriptions

$10,000 maximum per person per calendar year

$7 maximum dispensing fee per prescription

Disposable needles for use with non-disposable insulin injection devices, lancets, test strips, and sensors for flash glucose monitoring machines

If you live in Quebec, read the Information for Quebec Residents in the FAQ section.

 

Dental care

Waiting period: 3-month no-claims waiting period

Deductible of $25 per person to a maximum of $50 per family per calendar year

80% reimbursement for endodontic, periodontal, oral surgery services and other routine services; $750 per person per calendar year

100% reimbursement for accidental injury to natural teeth

 

Paramedical services

Paramedical services include treatment by a licensed chiropractor, dietician, osteopath, physiotherapist, podiatrist, psychologist, social worker, massage therapist, speech therapist, naturopath or acupuncturist

100% reimbursement to a maximum of $400 per practitioner per calendar year

$40 per visit maximum

 

Ambulance services

100% reimbursement for ground or air transport

 

Vision care

100% reimbursement to a maximum of $200 every 2 years for lenses and frames, contacts or laser eye surgery

$75 for one eye exam every 2 years

 

In-home nursing and home health aide care

100% reimbursement to a combined maximum of $5,000 per person each calendar year for in-home nursing and home care

 

Medical supplies

100% reimbursement for selected medical supplies

$300 maximum per year for orthopedic equipment

Diabetic equipment – Coverage for blood-glucose, flash glucose, and continuous glucose monitoring machines, including sensors and transmitters for continuous glucose monitoring machines, is limited to $3,000 per calendar year

 

Hearing aids

100% reimbursement up to a maximum of $400 every 5 years

 

Teledoc Medical Experts ®

Consultation services that put you in touch with the world’s best medical specialists to help with diagnosis and treatment planning for serious illnesses

Freedom to Choose health and dental insurance also features several included services as part of each plan.

 

Click Here to get started

Select Elite

Select elite provides the same coverage as the Select plus plan with significantly higher maximums and co-insurance and the ability to opt in or out of dental coverage.

Select elite provides coverage for the following benefits and benefit levels:

 

Prescription drugs

Drugs that require a prescription by law are covered at:

90% reimbursement for the first $10,000

100% reimbursement for the next $240,000 for both generic and brand name prescriptions

$250,000 maximum per person per calendar year

$7 maximum dispensing fee per prescription

Disposable needles for use with non-disposable insulin injection devices, lancets, test strips, and sensors for flash glucose monitoring machines

If you live in Quebec, read the Information for Quebec Residents in the FAQ section.

 

Dental care

Waiting period: 3-month no-claims waiting period

Deductible of $25 per person to a maximum of $50 per family per calendar year

80% reimbursement for endodontic, periodontal, oral surgery services and other covered routine services; $1,000 per person per calendar year

100% reimbursement for accidental injury to natural teeth

50% reimbursement for major services (e.g. crowns, bridges, dentures, etc.); $750 per person per calendar year

 

Paramedical services

Paramedical services include treatment by a licensed chiropractor, dietician, osteopath, physiotherapist, podiatrist, psychologist, social worker, massage therapist, speech therapist, naturopath or acupuncturist

100% reimbursement to a maximum of $500 per practitioner per calendar year

$50 per visit maximum

 

Ambulance services

100% reimbursement for ground or air transport

 

Vision care

100% reimbursement to a maximum of $250 every 2 years for lenses and frames, contacts or laser eye surgery

$75 for one eye exam every 2 years

In-home nursing and home health aide care

100% reimbursement to a combined maximum of $7,500 per person each calendar year for in-home nursing and home care

 

Medical supplies

100% reimbursement for selected medical supplies

$300 maximum per year for orthopedic equipment

Diabetic equipment – Coverage for blood-glucose, flash glucose, and continuous glucose monitoring machines, including sensors and transmitters for continuous glucose monitoring machines, is limited to $4,000 per calendar year

 

Hearing aids

100% reimbursement up to a maximum of $500 every 5 years

 

Teledoc Medical Experts ®

Consultation services that put you in touch with the world’s best medical specialists to help with diagnosis and treatment planning for serious illnesses

 

Click Here to get started